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AHIP: SSDI A Mystery To Many Boomers

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Only about 39% of U.S. adults ages 44 to 62 know roughly how much the average Social Security Disability Insurance recipient gets from the program each month.

Researchers at America’s Health Insurance Plans, Washington, have published that figure in a summary of results from a recent survey of 2,387 U.S. adults, including 827 boomers.

In the real world, the average monthly SSDI benefit payment is about $1,000, AHIP researchers note.

About 18% of the boomers who participated in the survey estimated that the typical SSDI recipient received $1,500 or more in benefits each month, and 43% admitted that they had no idea what the average SSDI benefit payment is.

All survey participants were about as likely as the boomers to give an estimated average of $1,500 per month, and 48% of all participants said they could not guess what the average monthly payment is.

The survey team also asked about participants’ awareness of SSDI eligibility criteria.

About 41% of the boomers and 37% of all participants correctly answered that workers could qualify for SSDI if they were unable to earn more than about $1,000 per month.

The actual cut-off is about $940 per month.

But the researchers found that 20% of the boomers and 17% of all participants said workers could qualify for SSDI if the workers are able to work but can find no jobs that match their education, experience and abilities.

SSDI program rules make benefits available only to individuals who are terminally ill or so severely impaired that they cannot perform any substantial gainful activity.


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